Warning: Late repayment can cause you serious money problems. For help, go to MoneyAdviceService.org.uk



*Online decision

*Responsible lenders

*Borrow up to £995

*Rates from 278% to 1576%

*3-12 month repayment



*Instant Decision

*60-Second Application Form

*From £1,000 to £25,000

*Rates from 4.7% to 278%

*3-36 month repayment

How We Can Help


Credit Card Debt


Housing Issues


Professional Loans


Why You Should Compare With Us

You Have Complete Control

A Massive Variety of Loan Types

Safe and Secure Online Process

The Most Reputable UK Lenders

By allowing you to take control of the plan it means that we will be able to find a plan to suit any individuals needs. It doesn’t matter what your circumstances are, we will be able to help you get the finance that you need without the usual hassle involved.

It is easy for you to find the loan that suits your needs best. By filling out one simple online form we will be able to determine exactly which kind of loan will suit your needs the most be it a payday loan, debt consolidation, emergency cash loan or a logbook loan.

In the modern age, our accounts and information are being collected every time we turn our heads. It is our company policy that we will not share any of your personal information with any third party company. We will never sell your data to anyone.

We only work with the most reputable lenders from across the UK. This means that you will never be taken advantage of with hidden fees or false promises. Only the very best and most suitable UK lenders will be put forward when you make your application.

Representative Example:
305.9% APR. £400 borrowed for 90 days.
Total amount repayable is £561.92 in 3 monthly instalments of £187.31.
Interest charged is £161.92, interest rate 161.9% (variable)

Please note:
LoanLingo is NOT a lender – we are a licensed broker working with the most popular direct lenders in the market to find you the most suitable short-term loan plan. Our FREE quoting service compares more than 40 lenders quickly and finds you a lender with the lowest rate that they are willing to lend to you today.

Rates from 45.3% APR to 1575% APR – we provide a no obligation quote, your APR will be based on your personal circumstances





Representative Examples from Competitive Companies

Loan amount
Loan term
3 months
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Loan term
2 Months
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Bad Credit Loans in the UK: Finding the Best Loan Options

Because of the importance of loans in the financial survival of both man and the industry, it’s only but natural that the demands for loans and other loan services only continued to increase throughout the years. But with the continuous rise in the number of borrowers availing of loans, as well as the consequent increase in the number of unpaid loan accounts, traditional lending institutions such as banks and other lending firms have decided to devise a credit scoring system that would help them address such problems. Under this credit scoring system, lending firms were easily able to segregate borrowers according to their finances. Individuals with income levels that do not meet what the lending firms have set as the standard were given poor credit scores, while borrowers who may have frequently or repeatedly missed their recurring payments had their records automatically reflect their bad payment history. Borrowers whom the lending firms saw as capable of paying off their loans without any problems were easily segregated from those whom they believed were likely to be incapable of paying off their loans in the future. As a consequence, individuals with poor credit scores and bad payment history were automatically precluded from procuring any type of loan from any of the standard lending institutions. But although this credit scoring system was proven to be highly useful to the lending firms, its long-term effects to the borrowers’ finances were proven to be extremely detrimental. Since borrowers with poor credit scores and bad payment history could no longer procure any more of the loans of any of the legitimate lending firms, they were often left with very few, often impractical or downright unacceptable options in times of urgent financial situations. For many borrowers, the choices they were often left with were either borrowing or asking for money from either their friends or members of their family, selling of their personal properties, or taking underground loans from lenders operating illegally. But because selling off properties or borrowing from friends and family are not always possible nor are they easy, many borrowers were often left to take loans from lenders operating illegally. And while this option provides borrowers with much-needed temporary financial relief, its long-term effects to the borrowers’ finances often leave borrowers in even worse financial conditions. Because of the excessively high interest rates that are inherent to these types of loan options, borrowers are often left trapped in perpetuated difficult financial situations. choose bad credit payday loans

Getting Bad Credit Cash Loans in the UK

With the increasing number of borrowers with poor credit scores and bad payment history who find themselves in similar endless financial difficulties, a new market comprised solely of borrowers with bad credit was eventually created. And as demands for more affordable and more flexible loan services continued to increase, lending firms and institutions later on came up with innovative new financial solutions. Through innovative new loan solutions such as bad credit payday loans, borrowers now have better financial options especially in times of difficult and urgent financial situations. With bad credit payday loans and other innovative new financial services, borrowers now have access to more secure and more affordable loan services, even despite their bad credit. Unlike the application procedures involved in many of the conventional loans that are being offered by many traditional lending institutions, applications for innovative loan solutions such as bad credit payday loans involve much faster and more convenient procedures, where borrowers need not have to submit impossibly hard to secure requirements, nor do they have to wait in long lines for long hours just to submit these documents.

How to Get Bad Credit Cash Loans and Instant Loans

Through bad credit payday loans and instant loans, borrowers now have the convenience of being able to submit their loan applications right straight from the comfort of their own homes. With these types of loan solutions, applications may now be completed online, where borrowers may submit their application forms and requirements from anywhere, anytime. And because applications can now be accomplished completely over the internet, borrowers may now expect for the processing of their applications to start as soon as they are submitted. Consequently, approvals for loan applications can now be completed in as little as mere minutes after they were submitted. Applicants with approved loans, on the other hand, can now expect for the release of their approved loans’ funds in just hours after their applications’ submission. Because of these convenient and highly useful features of bad credit payday loans and instant loans, these loan solutions make one of the best options especially in times of urgent financial situations. But since most bad credit payday loans and instant loans are normally small loans that borrowers are usually to pay over short payment term conditions, they don’t make good options when it comes to more complicated financial problems. In such situations, borrowers are better off availing secured bad credit payday loans, which they can repay over much longer payment terms.

Getting Bad Credit Cash Loans from Direct Lenders

Many borrowers are led to believe that because securing loans from the lenders directly do not necessitate having to pay for loan brokers’ fees, this option yields more benefits. What many fail to see, it seems, is that since loan brokers have well-established extensive connections to many different lenders across many various regions, it only follows that they also have extensive access to all the deals and promotions being offered by these lenders across their various lending services. Due to this, borrowers who chose to procure loans with the help of loan brokers actually enjoy not only a lot more savings but also far more benefits in the long term. And because loan brokers provide their borrowers with comprehensive assistance, including expert financial advise, borrowers securing loans through their services are guaranteed the best loan alternatives that best suit their unique financial circumstances. And while borrowers securing loans from the lenders directly do save a small amount of money, the benefits that comes with securing loans through loan brokering firms far outweigh this advantage in the long term. choose bad credit payday loans






  • We promise to do our absolute best to find you a plan that fits your particular circumstances.
  • We will do our utmost to make sure that you fully understand every step of the process and especially the payment plan.
  • We will not charge you for our service and we will never add any hidden charges to the plan.
  • We will always help you if you should need it, all you need to do is use our Contact Us Form if any issue should arise.
  • We only use reputable UK lenders that are, to the best of our knowledge, entirely trustworthy.
  • We will not accept applicants that we do not believe are entirely capable of repaying the amount borrowed.
  • We will never give out a loan to someone we feel will be unable to meet the requirements given by the lenders.
  • We are a broker, not a lender, and we will act as such in all circumstances.

Apply Today to Win!

If you apply for a loan with us between now and the end of summer then you will automatically be entered to win a brand new iPad Pro.
Multiple applications will result in multiple chances.

Competition ends 31st August, hurry and enter now.

Winner will be announced 3 working days after competition end.

3 most recent personal loan reviews

Review of HSBC

I can honestly say that my dealings with HSBC Loans has been easy, quick and efficient. The staff are always polite and courteous and if any problems arise with our account they deal with it very quickly.

Review posted by Mr Baskerville, Southport

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Payday UK

A very easy process from start to finish, nice and polite team members that talk you through in terms that you can understand and added to that a super quick payout. Will definitely recommend to everyone. Thank you

Review posted by Neil Pattrick, Dunloy

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of We Find Any Loan

Honesty, realistic and genuine. I can't say anymore than that. I had problems with credit in my past that were cleared but unfortunately my credit score was very poor but thankfully wefindanyloan gave me a chance to rebuild that. Thanks again for your support.

Review posted by Peter Watson, Abriachan

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

All Reviews have been acquired from uk.trustpilot.com to guarantee authenticity.





LOANLINGO IS A CREDIT BROKER AND NOT A LENDER. We pass your information to a lender once you have been accepted for a plan. We take a fee from the lender only, once you’re approved and we do not add charges to your plan in doing so.
YOU MUST MAKE ALL AGREED PAYMENTS TO AVOID LEGAL ACTION. If for any reason you will be unable to pay the agreed instalment then contact us immediately. Do not ignore the issue as a default payment will not solve itself.
NEVER BORROW MORE THAN YOU CAN AFFORD. Defaulting on payments can lead to serious and life changing financial issues. Make sure you only accept an agreement that is within your ability to repay.
LoanLingo.co.uk is a registered trading style of Serpable Ltd, which is an Introducer Appointed Representative of Quint Group Limited and is entered on the financial services register under the reference number 780328. Quint Group Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 669450. Serpable Ltd is registered in England and Wales (Company number: 10699069), Registered Office, 17 Collingbourne Avenue, Bournemouth, Dorset. BH6 5QR.